Loan foreclosure quote WhatsApp template

A loan foreclosure quote template gives the borrower the amount needed to close the loan early, the date the quote is valid until and how to pay. Send it as a Utility template within hours of the request, with the foreclosure letter attached.

Category UtilitySend Within hours of the requestVersions 2
Use this template See all 2 versions
Y
Your lenderBusiness account
Today
DOCUMENTHi Imran, as requested, the amount to close your loan account ending 3307 is ₹1,84,620, valid until 15 Dec 2026. The attached letter shows the breakup. Pay using the button below to close the loan.Reply HELP to talk to our team10:00Pay and closeI have a question

Copy-ready templates

Two versions: the quote, and the reminder before it expires

1

Foreclosure quote with letter

Sent when the borrower asks to close the loan early.

Category
Utility
Language
English (en)
Header
Document: foreclosure letter (PDF)
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Pay and close”
Quick reply: “I have a question”
Hi {{1}}, as requested, the amount to close your loan account ending {{2}} is ₹{{3}}, valid until {{4}}. The attached letter shows the breakup. Pay using the button below to close the loan.
DOCUMENTHi {{1}}, as requested, the amount to close your loan account ending {{2}} is ₹{{3}}, valid until {{4}}. The attached letter shows the breakup. Pay using the button below to close the loan.Reply HELP to talk to our team10:00Pay and closeI have a question
2

Quote about to expire

Sent a day before the quote’s validity ends.

Category
Utility
Language
English (en)
Header
None
Footer
Reply HELP to talk to our team
Buttons
Visit website: “Pay and close”
Quick reply: “Send a new quote”
Hi {{1}}, the foreclosure quote for your loan account ending {{2}} is valid until {{3}}. After that, the amount will change and we can share a fresh quote.
Hi {{1}}, the foreclosure quote for your loan account ending {{2}} is valid until {{3}}. After that, the amount will change and we can share a fresh quote.Reply HELP to talk to our team10:00Pay and closeSend a new quote

Variables

What each variable means

VariableWhat goes in itSample valueUsually comes from
{{1}}Borrower’s first nameImranLMS
{{2}}Loan account last 43307LMS
{{3}}Foreclosure amount (version 2: validity date)1,84,620Foreclosure calculation in your LMS
{{4}}Valid until15 Dec 2026Your foreclosure policy
The amount and validity must come from the same calculation as the attached letter. Never retype them.

Meta category

Why this is Utility, not Marketing

The borrower asked to close their own loan, so the quote is a direct, transactional answer: Utility.

Retention offers are a different message. If you want to offer a better rate to keep the borrower, have a person call; don’t mix it into the quote.

What makes it Marketing“Before you close, check our new lower rate” in the same template. Keep the quote neutral and fast.

Timing

When to send it

  1. 1
    Request receivedVersion 1, within business hours.Same day
  2. 2
    A day before validity endsVersion 2.
  3. 3
    Payment receivedThe loan closure NOC template.

Slow foreclosure quotes are a common complaint. A same-day quote on WhatsApp is one of the easiest service wins for a lender.

Approval

Why loan foreclosure quote templates get rejected

Charges stated in fixed text

Foreclosure charges depend on the loan type and RBI rules. Keep them in the attached letter, calculated per loan.

Variable at the start or end

Meta rejects a body that opens or closes with a variable. Every version above starts and ends with fixed words.

Promotional words in a Utility template

“Offer”, “exclusive”, “pre-approved” or “limited time” get the template re-categorised as Marketing or rejected.

No sample PDF

Submit a dummy foreclosure letter as the document sample.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Not suited: quotes are one at a time.

No codeJourney or Zapier

A journey can collect the request and notify your team, who send version 1 from the inbox.

DevelopersAPI from your system

Your LMS calculates the quote and calls SAMWAD with the amount, validity and letter PDF.

# When a foreclosure quote is generated
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_foreclosure_quote",
  "template_language": "en",
  "components": [{ "type": "header",
    "parameters": [{ "type": "document", "document": { "link": "https://yourlender.example/fc/3307.pdf" } }] },
  { "type": "body",
    "parameters": [
      { "type": "text", "text": "Imran" },
      { "type": "text", "text": "3307" },
      { "type": "text", "text": "1,84,620" },
      { "type": "text", "text": "15 Dec 2026" }
    ] },
  { "type": "button", "sub_type": "url", "index": "0",
    "parameters": [{ "type": "text", "text": "LN-3307" }] }]
}

Full request format, button parameters and webhooks: developer documentation.

Borrowers often ask “why is this more than my outstanding principal?”. Route “I have a question” to your team inbox, where the letter is visible in the chat.

Compliance note for lenders

  • Charges as per RBI and the agreement. RBI’s rules bar pre-payment charges on many floating-rate loans to individuals, and its 2025 directions extend this for loans sanctioned or renewed from 1 January 2026. Check which rules apply before quoting any charge.
  • Facts only. State what happened, the amount or date, and the next step. No penalties, credit-score warnings or legal language unless your compliance team approved the exact words and they match the loan agreement.
  • Opt-in first. Send only to borrowers who agreed to WhatsApp updates, and record when and where they agreed (loan application, app or branch form).
The sample wording on this page is a starting point, not legal advice. Have your compliance team review it before you submit.Sources: RBI pre-payment charges directions, 2 Jul 2025 (Business Standard) · Meta: template categorization

FAQ

Loan foreclosure quote template FAQs

Want help setting this up for your loans? We’ll walk through it with you on a call.

Book a demo
Can we send foreclosure quotes on WhatsApp?

Yes. Send the amount, validity and a PDF letter with the breakup, as a Utility template or in the open chat window.

Should foreclosure charges be in the message?

Keep them in the attached letter, calculated per loan and checked against RBI’s pre-payment rules.

How fast should the quote go out?

The same day. It’s a request borrowers remember.

Is it Utility or Marketing?

Utility. It answers the borrower’s own request about their loan.

Use it with these templates

All financial services templates →
UtilityLoan closure NOC templateConfirm closure, send the NOC and say when documents can be collected.See the template →UtilityLoan account statement templateSend the statement of account as a PDF, on request or each month.See the template →UtilityEMI payment received templateConfirm every EMI payment with the amount and the next due date.See the template →
WhatsApp for financial services →The WhatsApp guide for lenders and insurers (free PDF) →WhatsApp EMI reminders: a guide for lenders →WhatsApp for NBFCs: templates, consent and KYC →AI agents for customer queries →

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For larger teams

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